The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$111,276
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$114,737
−HK$3,517/mo
Today · 4.125%
HK$118,254
baseline
▲ 0.50% · 4.625%
HK$125,449
+HK$7,195/mo
Deposit HK$24.40M · loan HK$24.40M · min. income ≈ HK$236,508/mo (50% DSR)
Upfront cash ≈ HK$26.47M (deposit + AVD stamp duty HK$2,073,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,793
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,113
−HK$3,368/mo
Today · 4.125%
HK$130,481
baseline
▲ 0.50% · 4.625%
HK$137,359
+HK$6,878/mo
Deposit HK$24.40M · loan HK$24.40M · min. income ≈ HK$260,962/mo (50% DSR)
Upfront cash ≈ HK$26.47M (deposit + AVD stamp duty HK$2,073,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,531
−HK$8,373/mo
▼ 0.25% · 3.875%
HK$137,684
−HK$4,220/mo
Today · 4.125%
HK$141,904
baseline
▲ 0.50% · 4.625%
HK$150,539
+HK$8,635/mo
Deposit HK$19.52M · loan HK$29.28M · min. income ≈ HK$283,808/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$2,073,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,552
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$152,536
−HK$4,041/mo
Today · 4.125%
HK$156,577
baseline
▲ 0.50% · 4.625%
HK$164,831
+HK$8,254/mo
Deposit HK$19.52M · loan HK$29.28M · min. income ≈ HK$313,154/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$2,073,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,786
−HK$9,769/mo
▼ 0.25% · 3.875%
HK$160,632
−HK$4,923/mo
Today · 4.125%
HK$165,555
baseline
▲ 0.50% · 4.625%
HK$175,629
+HK$10,074/mo
Deposit HK$14.64M · loan HK$34.16M · min. income ≈ HK$331,110/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$2,073,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,310
−HK$9,364/mo
▼ 0.25% · 3.875%
HK$177,958
−HK$4,716/mo
Today · 4.125%
HK$182,674
baseline
▲ 0.50% · 4.625%
HK$192,302
+HK$9,628/mo
Deposit HK$14.64M · loan HK$34.16M · min. income ≈ HK$365,348/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$2,073,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,296
−HK$12,560/mo
▼ 0.25% · 3.875%
HK$206,526
−HK$6,330/mo
Today · 4.125%
HK$212,856
baseline
▲ 0.50% · 4.625%
HK$225,808
+HK$12,952/mo
Deposit HK$4.88M · loan HK$43.92M · min. income ≈ HK$425,712/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$2,073,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,827
−HK$12,039/mo
▼ 0.25% · 3.875%
HK$228,803
−HK$6,063/mo
Today · 4.125%
HK$234,866
baseline
▲ 0.50% · 4.625%
HK$247,246
+HK$12,380/mo
Deposit HK$4.88M · loan HK$43.92M · min. income ≈ HK$469,732/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$2,073,983 · Scale 2, in force from 26 Feb 2026)